Our Services

Helping You Understand Group Long Term Disability (LTD) Insurance Claims

Some California employers contract with insurance companies to provide group long-term disability insurance (LTD) coverage to employees. The purpose of these insurance plans is important: They are intended to provide substantial wage replacement for people who become disabled through injury or illness, typically lasting for a period of a year or longer. However, many people with legitimate disabilities encounter wrongful claim denials, delays and other obstacles when they try to collect LTD benefits.

Have you found that the disability insurance coverage you thought was there for you cannot be relied upon now that you have filed a claim? Have you received a denial notice or are you being bombarded with requirements for "proving" your disability? Have you been receiving benefits that are now being terminated? You need an experienced attorney working on your behalf.

Decades Of Experience With ERISA Litigation And Non-ERISA Disability Disputes

Knowing what to do about a wrongful claim denial or other insurance company actions targeted at avoiding paying LTD benefits first requires determination of the type of coverage you have and what laws apply. This is familiar territory for us at Pillsbury & Coleman, LLP, where we have decades of experience dealing with both:

  • Denials, delays and other problems with disability claims governed by the federal Employee Retirement Income Security Act of 1974 (ERISA)
  • Wrongful claim denials and other acts of insurance bad faith encountered by people who have purchased individual LTD policies and have the right to file lawsuits in California state courts

Offering The Informed Guidance And Legal Strength You Need

Our focused plaintiff's-side insurance lawyers take action to enforce the terms of the policies insurers sell. You may have received misinformation from insurance company representatives, your employer's human resources department or others, and we are prepared to cut through that and bring proven strength in analysis and litigation to your case.

Whatever setbacks or complications you have encountered with your group LTD insurance provider, and whatever your disabling condition, we encourage you to contact our San Francisco office at 415-655-1549 for more information. We offer a free case evaluation to help you understand and pursue your legal options for getting the benefits you deserve.